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Insurance Write-Off Categories

As of Oct. 1st. 2017 a new symplified system was introduced
New Insurance Loss Categories - Quick reference
Category A - Scrap only
Category B - Break for parts
Category S - Structurally damaged but repairable
Category N - None structurally damaged, repairable

Insurance Loss Categories - In detail
Category A - This vehicle has been inspected by an appropriately qualified person, declared unsuitable or beyond repair and has been identified to be crushed in its entirety. This vehicle is deemed not suitable to be repaired. Must be crushed without any parts being removed. This vehicle will be classed as waste.
The vehicle identification number and any parts of the vehicle can never be used again. The MIAFTR entry completed confirming the intention to destroy, ensuring the V5C is never reissued. The complete vehicle must be crushed in its entirety without any components being removed, a certificate of destruction must be issued in accordance with government guidelines.
Category B - This vehicle has been inspected by an appropriately qualified person and declared unsuitable or beyond repair. The vehicle is deemed not suitable to be repaired. Usable parts can be recycled.
The vehicle identification number/ bodyshell/ frame/ chassis of the vehicle can never be used again. The structural framework (bodyshell/ frame/ chassis) must be crushed in its entirety without any structural components being removed. The MIAFTR entry completed confirming the intention to destroy, ensuring the V5C is never reissued. The certificate of destruction must be issued in accordance with government guidelines.
Category S - Structurally damaged but repairable. This vehicle has been inspected by an appropriately qualified person and declared suitable for repair. Repairable vehicle which has sustained damage to any part of the structural frame or chassis and the insurer/ self-insured owner has decided not to repair the vehicle.
During repair in the event the bodyshell/ frame/ chassis is replaced the original bodyshell/ frame/ chassis is either crushed or returned to the vehicle manufacturer. Where the vehicle is broken for spares the criteria for Break applies.
Category N - None structurally damaged, repairable. This vehicle has been inspected by an appropriately qualified person and declared suitable for repair. Repairable vehicle which has not sustained damage to the structural frame or chassis and the insurer/ self-insured owner has decided not to repair the vehicle. While the damage to the vehicle has been noted as non-structural, there may still be some safety critical items that require replacement e.g. steering and suspension parts.
When the vehicle is broken for spares the criteria for Break applies.
information courtesy of the ABI. A full categorisation and addditional information can seen here
Around 380,000 vehicles are written off each year, thats over a 1000 a day!

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